Oregon homeowners insurance

Oregon's burglary rate in 2022 ranked in the top ten among all states. Protecting your belongings against theft and safeguarding your home's structure against fire, weather-related events, and other perils are just a few of the reasons why homeowners insurance is critical. Progressive offers affordable policies for homeowners in The Beaver State. Find out everything you need to about homeowners insurance in Oregon, including standard coverages, discount opportunities, and cost information.

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How you're covered

A typical policy in Oregon may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Did you know?

Because Oregon's landscape includes dense forests, home insurers may assess wildfire risk as part of the policy purchasing process. While wildfire risk may be just one of the many factors used in determining your homeowners insurance rate, it could also affect availability of coverage and your ability to qualify for specialized policy discounts. While we encourage you to take steps to reduce your property's wildfire risk, only some of the carriers in Progressive's network of home insurers offer premium adjustments specifically for wildfire risk mitigation actions.

Learn more about homeowners insurance and wildfires.

How much is homeowners insurance in Oregon?

Progressive homeowners policies in Oregon had an average monthly price of $83.84 or $1,006.04 for an annual policy in 2023.^* Remember that your cost for homeowners insurance in Oregon varies based on many factors, including your location, type of home, and claims history.

Helping you save on homeowners insurance in Oregon

There are lots of Progressive discounts on homeowners insurance available, including discounts for quoting in advance and installing a home security system. Get a homeowners insurance quote for Oregon to see how you can save with these discounts.

Compare homeowners insurance rates in Oregon

Progressive's HomeQuote Explorer® lets you instantly compare homeowners insurance rates and coverages from multiple companies in the state of Oregon.

Is homeowners insurance required by law in Oregon?

Homeowners insurance is not required in the state of Oregon, but if you're financing your home through a mortgage lender, they'll probably require it as part of your loan terms. Note that even if your home is paid off, you'll still want to consider homeowners insurance because your home is likely your most valuable asset and should be protected.